Automobile Insurance Company Mobile Alabama AL
Reader’s Question:
Does full coverage car insurance on a new automobile automatically change to liability only after several years or does the insurance carrier has to call to make the change after a certain number of years? I live in Mobile, AL.
John
Mobile, AL
If you want to make any changes to your auto insurance policy such as canceling your collision and comprehensive coverage so that you only have the state required liability insurance coverage you would have to inform the insurance carrier, your insurer, of the change you want to make. Automobile insurance coverages do not automatically change after a couple of years.
An insurance provider does not make changes to your vehicle insurance policy in Mobile, AL without you requesting it. Plus if you are still paying for the new car after a couple of years it is unlikely that you could get a lower vehicle insurance coverages from full coverage to basic insurance liability. Your lien holder normally requires you to have the full coverage, collision and comprehensive coverages on the automobile since it their asset until you pay it off.
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